No CR

Understanding the No CR rule:

Nearly all business cards do NOT count against your 5/24 limit. Which is a good thing! Getting cards that do not count against 5/24 is as much a guideline as a rule. Understanding this "rule" is a life changer in collecting points. If you have even a small side business, your opportunity can spike from 5 top-tier cards every 2 years... to 10-plus top-tier cards. That's a big deal. If you qualify for business cards, our general advice is to keep your personal card count at 4/24. And you can continue to get business cards from Chase, American Express, Citi, and U.S. Bank. They won't count towards your 5/24, or any other personal credit related rules. Check out more on that strategy here >

About Approval Rules

Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards.  So here’s what you need to know:

• Approval rules are rarely fully publicized by the banks
• We use our own research and data points from other users in creating the rules listing
• Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
• There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.